Understanding The Financial Crisis - Andrew Baker

Economia e finanças Negócios

Andrew Baker Reader in Political Economy School of Politics, International Studies and Philosophy Queen’s University Belfast

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CASE STUDY CAPITALISM This case views the global, capitalist economic system through the prism of the 2007–2008 financial crisis (referred to here as the Financial Crisis). More than a decade later, what more do we now know? How did the crisis emerge, and what were its consequences (short- and long-term)? What challenges does it present for capitalism today? What was the role of social responsibility? And perhaps most importantly, what changes does a strategic CSR perspective suggest moving forward? THE FINANCIAL CRISIS In many ways, the dramatic economic events that began toward the end of 20071 (widely reported as “the most serious financial crisis since the Great Crash of 1929”2 or the “Great Recession”3) brought into focus the comprehensive nature of CSR. From individual greed and the abdication of responsibility to organizational fraud and the mismanagement of resources, to governmental failure to monitor and adequately regulate the financial system, the crisis emphasized the many interlocking factors that make CSR so complex. At the same time, and with the benefit of hindsight, these events demonstrate how straightforward CSR can be. At its simplest, CSR is not rocket science. It is often common sense, combined with an enlightened approach to management and decision making. To look back at some of the decisions that contributed to the economic crisis and try to rationalize why they were made, however, represents an exercise in exasperation: What do you call giving a worker who makes only $14,000 a year a nothing-down and nothing-to-pay-for-twoyears mortgage to buy a $750,000 home, and then bundling that mortgage with 100 others into bonds—which Moody’s or Standard & Poor’s rate[s] AAA—and then selling them to banks and pension funds the world over?4 Essentially, the crisis resulted from the cumulative effects of multiple bad decisions by many individuals who had lost their sense of perspective.5 What was amazing at the time was “how so many people could be so stupid . . . and self-destructive all at once” 6 to produce “a near total breakdown of responsibility at every link in our financial chain.”7 The scale of At the height of the boom, the subprime mortgage industry in the United States had clearly lost all sense of proportion. The result was higher default rates and, as a consequence, higher rates of home repossessions: Between 2005 and 2007, which was the peak of sub-prime lending, the top 25 subprime originators made almost $1,000bn in loans to more than 5m borrowers, many of whom have [since] had their homes repossessed.10 The industry as a whole experienced all the signs of a bubble, the aftermath of which generated dramatic headlines such as “Sex, Lies, and Mortgage Deals.”11 As a society, we should have picked this up earlier and acted to diffuse it. As such, the Financial Crisis highlights the central role of CSR in today’s global business environment. It is a lens through which excesses ...

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The world has not learned the lessons of the financial crisis Banks are safer, but too much of what has gone wrong since 2008 could happen again WHEN historians gaze back at the early 21st century, they will identify two seismic shocks. The first was the terrorist attacks of September 11th 2001, the second the global financial crisis, which boiled over ten years ago this month with the collapse of Lehman Brothers. September 11th led to wars, Lehman’s bankruptcy to an economic and political reckoning. Just as the fighting continues, so the reckoning is far from over. Lehman failed after losing money on toxic loans and securities linked to America’s property market. Its bankruptcy unleashed chaos. Trade fell in every country on which the World Trade Organization reports. Credit supplied to the real economy fell, by perhaps $2trn in America alone. To limit their indebtedness, governments resorted to austerity. Having exhausted the scope to cut interest rates, central bankers turned to quantitative easing (creating money to buy bonds). Just as the causes of the financial crisis were many and varied, so were its consequences. It turbocharged today’s populist surge, raising questions about income inequality, job insecurity and globalization. But it also changed the financial system. The question is: did it change it enough? To splurge is human One way—the wrong way—to judge progress would be to expect an end to financial crises. Systemic banking meltdowns are a feature of human history. The IMF has counted 124 of them between 1970 and 2007. There is no question that they will occur again, if only because good times breed complacency. Consider that the Trump administration is deregulating finance during an economic boom and that the Federal Reserve has not yet raised counter-cyclical capital requirements. Even when prudence prevails, no regulator is a perfect judge of risk. A better test is whether the likelihood and size of crises can be reduced. On that, the news is both good and bad. First, the good. Banks must now fund themselves with more equity and less debt. They depend less on trading to make money and on short-term wholesale borrowing to finance their activities. Even in Europe, where few banks make large profits, the system as a whole is stronger than it was. Regulators have beefed up their oversight, especially of the largest institutions that are too big to fail. On both sides of the Atlantic banks are subject to regular stress tests and must submit plans for their own orderly demise. Derivatives markets of the type that felled AIG, an insurer, are smaller and safer. Revamped pay policies should prevent a repeat of the injustice of bankers taking public money while pocketing huge pay-packets—in 2009 staff at the five biggest banks trousered $114bn. Yet many lessons have gone unlearned. Take, for example, policymakers’ mistakes in the aftermath of the crisis. The state had no choice but to stand behind failing banks, but it took the ill.

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The title of this event is ‘No More Business As Usual: How to Avoid Another Financial Crash.’ The 2008 crisis marked a sea-change point.It was a fa ilure on three counts: 1. A failure of oversight from Governments and Central Banks alike, 2. A failure of modeling in not being able to predict the crash and 3. A failure of ideology. Underpinning the crisis was the fundamentally flawed neo-liberal ideologue which has dominated main-stream economic thinking.

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